Moving from Sweden to Spain: Guide for expats

In recent years, an increasing number of Swedes have chosen Spain as their new home. Whether motivated by the sunny climate, the vibrant cultural lifestyle, or the desire for a slower pace of life, this migration trend continues to rise.

As a reputable law firm in Malaga, we have witnessed first-hand how Spain’s warm weather, lower cost of living, and rich culture offers a compelling contrast to life in Sweden. From charming coastal towns to dynamic cities, Spain provides the lifestyle change that many Swedes are now seeking

Understanding the legal framework

Before moving to Spain, Swedish nationals should understand the main legal requirements that apply to EU citizens.

EU Citizens’ rights

As a Swedish national, you benefit from freedom of movement across EU member states. This means that no visa is required for stays of up to 90 days within a 180-day period. However, if your plans involve living in Spain for more than three months, you must take a few legal steps to remain compliant.

Instead of a visa, Swedes must apply for a “Certificado de Registro como Residente de la UE”—a certificate of EU registration. This grants you full access to live, work, and receive public services in Spain. After five uninterrupted years of residence, this certificate may be upgraded to permanent status.

To stay in Spain for over 90 days, you must register with the Spanish authorities. The process involves two essential steps:

  1. Requesting the EU Resident Certificate in Spain .
  2. Registering your address with the Town Hall (empadronamiento) is key to accessing healthcare and other municipal services.

Getting your NIE Number

The Número de Identificación de Extranjero (NIE) is your Spanish ID number for legal and financial matters. It’s necessary for purchasing property, signing contracts, setting up utilities, paying taxes, and other related tasks.

You can apply either in Spain at a local National Police station or abroad at a Spanish consulate. The application process includes:

  • Completing Form 790.
  • Paying a modest administrative fee.
  • Providing your passport and documents justifying your request (e.g., a job offer or property transaction).

Empadronamiento process

After securing housing, it’s mandatory to register your local address at the Town Hall (ayuntamiento). This procedure is called empadronamiento. It confirms your residency in a particular municipality, unlocking access to local healthcare, schooling, and public benefits.

You’ll need:

  • Form EX-18
  • Proof of income or savings
  • Health insurance documentation, whether public or private
  • A valid passport

Preparing for the move

Relocating to Spain involves more than booking a flight. Careful preparation with the right documents, financial planning, and healthcare arrangements will help you transition smoothly and avoid common setbacks once you arrive.

Documentation checklist

Before making the leap, ensure you have:

  • A valid passport
  • European Health Insurance Card (EHIC)
  • Evidence of income, pension, or employment
  • A rental contract or property deed

Financial Planning

Spain provides a more affordable lifestyle than Sweden. Rent, groceries, transport, and even dining out tend to be less expensive.

Here’s a rough comparison:

  • 1-bedroom rent in central Málaga: €800–€1,000/month
  • Monthly utilities: €100–€150
  • Groceries for one: €150–€250
How to move from Sweden to Spain

Healthcare Considerations

Spain’s healthcare system is well-known for its quality and accessibility. As a Swedish citizen residing in Spain, you can access public healthcare through various means, depending on your situation.

Across Spain, the public and private healthcare systems work in parallel to meet different needs. The public system offers universal coverage and high-quality medical services at little to no cost for residents. However, some expats choose to complement it with private healthcare—particularly for faster appointments, greater flexibility in choosing specialists, or access to private facilities.

Private medical centers provide a broad spectrum of specialized services, but access to these services typically requires either private health insurance or direct payment. The decision between public and private care depends on personal priorities, budget, and the urgency of the treatment needed

Health Insurance Requirements  

To enroll in a private insurance plan in Spain, you’ll usually need to provide both personal and medical information. Insurers may exclude serious pre-existing conditions from coverage, and many plans impose waiting periods for certain types of care.

Choosing the right healthcare option is an important step in settling into life in Spain. We can help you understand your eligibility, register correctly, and ensure you have the coverage you need from day one.

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Finding Accommodation in Spain

Securing a place to live is one of the most important steps in your move. Whether you choose to rent or buy, it’s important to understand how the Spanish property market works and what legal and financial checks should be completed before signing any agreement.

Renting vs. buying

When relocating to Spain, one of the key decisions you’ll face is whether to rent or purchase a home. Both options have advantages, and the right choice will depend on your long-term plans, financial goals, and lifestyle preferences.

Renting offers greater flexibility, especially for those new to the country or unsure of where they want to settle. Spanish rental contracts usually span a minimum of five years when signed with a private landlord, or seven years if the property is owned by a legal entity. That said, shorter rental agreements can be arranged by mutual consent.

Before signing a lease, it’s essential to:

  • Confirm the contract is properly registered
  • Understand your rights regarding rent increases, deposits, and renewal terms
  • Specify the responsible party for utilities, maintenance, and community fees.

Buying property in Spain is a straightforward process for EU citizens, with no restrictions on ownership. However, the process involves multiple legal steps and financial commitments. It’s critical to carry out thorough due diligence before signing any contracts.

Along with the purchase price, buyers should plan for:

  • Property transfer tax (6–10% for resale properties)
  • Notary and legal fees
  • VAT (IVA) on new-build homes

To protect your investment, it is strongly advised to seek legal guidance. At Tejada Solicitors, we offer a comprehensive real estate legal service designed to secure your transaction from start to finish. If needed, we can also serve as your power of attorney in Spain. Our due diligence includes:

  • Title verification: We examine the property’s nota simple to confirm it is correctly registered and free from discrepancies.
  • Debt and encumbrance checks: We verify that there are no outstanding mortgages, liens, or legal claims against the property.
  • Occupancy verification: We confirm whether the property is vacant or legally occupied in accordance with your intended use.
  • Structural and zoning assessments: Our in-house architect reviews the property’s physical condition and compliance with urban planning regulations.
  • Tax and utility clearance: We confirm that all the taxes and utility bills are up-to-date to avoid inherited liabilities.
  • Community association review: We investigate the homeowners’ association for unpaid fees or unresolved legal issues.

Whether you’re buying a holiday retreat, an investment property, or a permanent residence, our legal and tax professionals are here to ensure your purchase is legally sound, financially transparent, and stress-free.

Swedish citizens moving to Spain

Popular regions for Swedish expats

When choosing where to live in Spain, many Swedish nationals gravitate toward regions with established expat communities and quality infrastructure, such as the Costa del Sol and Alicante, due to their affordability, international schools, and accessibility via direct flights.

Navigating the housing market

When entering Spain’s housing market, it’s important to partner with licensed and reputable real estate professionals with verifiable experience, ideally those who speak your language and understand the needs of international buyers or tenants. Avoid relying on verbal agreements or informal arrangements—everything must be in writing and legally reviewed.

Understanding rental contracts and your tenant rights is vital for maintaining a secure rental relationship. Spanish tenancy law, governed by the Ley de Arrendamientos Urbanos (LAU), outlines key conditions such as:

  • A minimum lease duration of 5 years for private landlords and 7 years if the owner is a legal entity.
  • Annual rent adjustments based on the Índice de Referencia de Arrendamientos de Vivienda (IRAV).
  • A one-month deposit requirement.
  • Provisions for contract extensions and regulated grounds for early termination by the landlord.

Rental contracts must clearly define who is responsible for utility payments, community fees, and property maintenance. There are also legal distinctions between long-term rentals, seasonal leases, and short-term holiday lets, each with its own set of rules.

At Tejada Solicitors, we assist Swedish expats in drafting, reviewing, and negotiating rental agreements to ensure legal clarity and protection. Our bilingual legal team ensures full transparency and compliance, tailored to both tenants and landlords.

What our clients say
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After several email correspondences, I had a Zoom call with Rosana Tejada Crespo to answer questions as we consider our move to Spain. Rosana was very helpful, knowledgeable, and professional, but was also very kind and considerate. There is a lot to consider with a potential move like this, and Rosana (and others in the firm) have made the journey easier and less stressful. I highly recommend Tejada Solicitors if you are considering moving to Spain. ¡Muchas gracias a todo su equipo!
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Tejada helped me with my application for an NLV, which I received this week. My principal contact was Cynthia Caralampio, and the level of service I received was second to none. She was knowledgeable and super-responsive, gave advice in a clear and concise manner, but most importantly, she cared about my application and the outcome. Throughout the process, Cynthia was incredibly patient with my myriad questions and mollified any concerns I had. I am now looking forward to starting a new life in Spain thanks to Cynthia and Tejada. Gracias!
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My husband and I used Tejada Solicitors for our digital nomad visa. This firm was very helpful and eased a lot of our stress since the UGE is always changing their requirements. Cynthia and Rosana specifically were extremely responsive and genuinely went above and beyond. We are very pleased with their services and would recommend them for anyone looking for a digital nomad visa.
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Gracias José María por la profesionalidad, diligencia y paciencia que has demostrado en cada caso. 100% recomendable!
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I had a consultation with Rosana at TEJADA Solicitors and it was excellent. As a Canadian with a corporation back home, I needed advice on structuring myself in Spain, and Rosana - a tax lawyer and the firm's owner, gave me clear, expert answers from the first call. She was especially helpful with information on visa extension options and ways to optimize my tax situation. With most firms you get a salesperson or junior staff, but here I spoke directly with the person who truly knows the subject. Highly recommend for anyone dealing with cross-border tax matters.
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Rosana and her team are highly knowledgeable and approachable. They deal with straightforward issues alongside of the more complex. I would highly recommend. The care and attention by Cynthia Caralampio is outstanding. She is very prompt in replying to any query, and was a pleasure to deal with. I can’t recommend her enough.
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I applied to the Spanish government for my digital nomad visa using Tejada Solicitors. They made what seemed to be a very complicated process very easy. I knew exactly what was required every step of the way and I had lots of help. I have been a lawyer for over 21 years and I can say that they are highly professional and clearly effective. I thoroughly recommend their services
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Consistently professional and approachable. Everything was handled with utmost care. We would certainly recommend.
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Un apoyo muy útil, adaptado y flexible en los trámites tan complicados de España. Imprescindible ayuda.
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Today I had the first meeting with Tejada Solicitors, which was a good experience. They were professional, detail-oriented, and had answers to all my questions. Additionally they agreed to provide important information even before signing up with them, which is a good service. I highly recommend them.
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Plan your new life in Spain with tailored legal assistance.

Employment and business opportunities

For those planning to work or start a business in Spain, understanding the job market and the legal requirements for entrepreneurs is essential. With the right preparation, Swedish expats can make the most of Spain’s growing opportunities.

Job market overview

Spain offers a variety of job opportunities, particularly in tourism, hospitality, healthcare, technology, and education. These sectors often require foreign language skills, and Swedish nationals may find opportunities in Scandinavian-run businesses or

However, fluency in Spanish is a significant advantage, particularly for roles that involve public service or client interaction. While some companies in major cities operate in English, the broader job market values language proficiency, making it a worthwhile investment for career progression and integration.

Starting a business

Swedish citizens planning to launch a business in Spain must follow several legal and fiscal steps to operate successfully in Spain. The core requirements include:

  1. Obtaining an NIE (Foreigner Identification Number) – This is mandatory for all legal and tax processes, including opening a bank account and signing contracts.
  2. Registering with the Spanish Tax Agency (Hacienda) – Submit form 036 or 037 to obtain a tax identification number (NIF) and define your business activity.
  3. Enrolling in the Social Security system – Essential for accessing healthcare and contributing to pension schemes. If hiring staff, you’ll also need to register employees properly.
  4. Opening a business bank account – A corporate account is necessary to manage finances, receive payments, and ensure tax compliance.
  5. Securing permits and licenses – Depending on your business type, you may need health, environmental, or commercial activity licenses. Always check with the local municipality.
  6. Ensuring data protection compliance – All businesses that handle personal data should comply with the General Data Protection Regulation (GDPR) and Spanish data laws (LOPDGDD).

For those forming a Sociedad Limitada (S.L.), Spain requires:

  • Legalization of accounting books within four months of the fiscal year’s end.
  • Filing of annual accounts within three months of closing the fiscal year, and deposit with the Mercantile Registry.
  • Maintenance and legalization of corporate records, such as the shareholders’ ledger and board meeting minutes.

Our legal experts at Tejada Solicitors provide step-by-step guidance to ensure your business launch is legally compliant, financially sound, and strategically structured for success.

Education and family life

Spain is a family-friendly country with excellent schooling options for expat children. Swedish families can choose between:

  • Public schools (free, local curriculum)
  • Private schools (alternative methods)
  • International schools (British, American, IB, or Swedish-based)

Public school enrollment depends on your address registration (empadronamiento), while private and international schools may have additional entry requirements.

Spain also offers affordable childcare, family tax benefits, and a lifestyle well-suited to raising children—thanks to a strong focus on safety, outdoor play, and community life.

Moving to Spain from Sweden in 2025

Cultural Adaptation

Adjusting to life in Spain involves adapting to its relaxed pace, social customs, and vibrant lifestyle. Expect:

  • Later mealtimes and social events
  • Warm but informal interactions
  • Importance of face-to-face connection

While English is spoken in many areas, learning Spanish greatly improves daily life and integration.

Getting involved in community activities, language exchanges, or international groups can help ease the transition and build strong local ties.

Transportation and mobility

Spain has an excellent transport system:

  • Cities offer metros, buses, and commuter trains.
  • High-speed AVE trains link major cities, including Madrid and Barcelona.
  • Driving is common in rural areas; Swedish licenses are valid, but residents may need to exchange them for local licenses.

Public transport is affordable, reliable, and often the easiest way to get around urban areas. Owning a car is useful for coastal towns or the countryside.

Turn your relocation dreams into reality with Tejada Solicitors.

Managing finances in Spain

Managing your money in Spain requires setting up local banking, understanding tax rules, and planning for cross-border obligations. Taking the right steps early will ensure financial stability and compliance from the start.

Opening a Bank Account

A bank account in Spain is highly recommended for managing daily expenses, paying bills, or buying property. Most banks require the following documents:

  • Your NIE
  • A valid passport
  • Proof of income or employment
  • A statement indicating whether you are a resident or non-resident

Each bank may request slightly different documentation, and the process may differ based on your residency status. At Tejada Solicitors, we assist our clients in opening accounts efficiently and ensure the documentation is complete to avoid delays.

Tax Obligations

Once you spend more than 183 days per year in Spain, you become a Spanish tax resident, which carries obligations to report and possibly pay taxes on your global income and assets. The main tax responsibilities include:

  • IRPF (Personal Income Tax): Annual filing via Form 100. Includes income from employment, rental properties, dividends, and capital gains in Spain.
  • Wealth Tax: Applicable on global net assets exceeding €3.7 million.
  • Andalucia Inheritance  Tax  (ISD): Due upon acceptance of any inherited or gifted assets in Spain, whether they are located in Spain or abroad.

Spain and Sweden have a bilateral tax treaty in place to prevent double taxation. This agreement defines which country has taxing rights over specific types of income. In some cases, taxation is shared, meaning Spain must apply mechanisms to eliminate double taxation.

Due to the complexity of these rules, it’s highly recommended to work with a specialist in cross-border taxation. At Tejada Solicitors, we provide tailored guidance to ensure you remain compliant while optimising your international tax position.

José María Oliva
Author:
-Spanish and English Solicitor-

A solicitor with experience in property conveyancing in Spain, committed to preventing disputes through well-planned purchasing procedures. Focused on ensuring safe and legally compliant property transactions for international clients by providing thorough analysis and expert legal guidance. Read more

How Tejada Solicitors can help you move from Sweden to Spain

Relocating to Spain from Sweden involves more than just changing your address—it requires navigating legal systems that can be unfamiliar and complex. Immigration rules, property transactions, and tax obligations all come with specific requirements that must be handled properly to avoid setbacks.

At Tejada Solicitors, we offer personalised legal support for Swedish nationals planning a move to Spain. Our team specialises in immigration law, real estate due diligence, and cross-border taxation, allowing us to provide a full-service strategy that fits your situation. Whether you’re moving for retirement, work, or simply a change of pace, we work to protect your interests and make the entire process as smooth and secure as possible, both legally and financially.

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FAQ’s

No. As EU citizens, Swedes can live and work in Spain without a visa. However, if you plan to stay longer than 90 days, you must register with Spanish authorities and obtain the appropriate residency certificate.

You can apply for the NIE—Spain’s foreigner identification number—at a local police station in Spain or through the Spanish consulate in Sweden. The process requires valid identification and documentation that explains your reason for needing the NIE, such as a job contract or property purchase.

Yes. Once registered as a resident, Swedish citizens can access Spain’s public healthcare system. Retirees may apply for an S1 form from Sweden, while employed or self-employed individuals gain coverage through the Spanish Social Security system.

If you spend more than 183 days in Spain in a calendar year, you become a Spanish tax resident and must declare your worldwide income. Fortunately, Spain and Sweden have a double taxation agreement, which ensures you won’t be taxed twice on the same income.

While it’s not legally required, learning Spanish will significantly improve your quality of life. From handling paperwork to forming social connections, speaking the language makes day-to-day tasks much easier and helps you integrate into your new community.

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